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It's unfortunate but, there is no single application or even a suite of security applications that can protect your computer at all times. You must embrace the "Arsenal" approach for security. You must have one good Anti-Virus application and two or more Anti-Spy/Ad/MaulWare applications too. Even then, it takes just moments for an infection to sneak in between updates.

YOU CAN DO THIS ON A BUDGET TOO! Select one good Anti-Virus application - Remember, you should not have two Anti-Virus applications running at the same time because they may work against each other. Select two or three Anti-Spy/AdWare applications. Keep them all up-to-date! Here's a couple of excellent sources for current information about what's SAFE to use and Recommended by Professionals:

The System Optimization & PC Performance group: These folks provide Free Technical Support for various unusual issues related to PCs. They have a "sticky" on their Forum that provides current information about Free and Low Cost security applications.
View the Thread here >> "Click" on: http://www.sysopt.com/forum/showthread.php?t=161595

The AV Comparatives Organization: On this site you will find independent comparatives of Anti-Virus software. They periodically test and review the best Anti-Virus applications. NOTE: Even the ones that rate lower on the tests are excellent and some are FREE applications too!
See the Comparitives here >> "Click on: http://www.av-comparatives.org/